On average, our contractors have seen significant increase in inbound leads, close rates, average job sizes and annual revenue by offering payment options to every customer.

“By using payment options, our sales have gone up 21%! Plus, Same-As-Cash alone has grown our average job size. Our average job size is 54% higher than a similar cash job. Because we track our results, we can clearly see the impact offering payment options has had on our business.” said a counter top replacement contractor from New Jersey.

Improving homes.

Put your trust in EnerBank.

Here’s why hundreds of thousands of homeowners already have.

EnerBank offers you peace of mind. Our loans are available only through authorized contractors who have been approved to offer payment options to their customers. The phone application process is quick and easy with a decision in minutes. Let EnerBank help make your dreams come true.

Which option is right for you?

Cash may not be your best option.

Funds to pay for home improvement projects may come from your savings, tax rebates, bonuses, or some other source. But that trend is changing. Savvy homeowners are realizing that unsecured loans (like those from EnerBank) are easier to get, are faster to process, and reduce exposure to financial risk.

Here are some of the reasons EnerBank’s unsecured home improvement loans make sense:

No waiting. Get the entire project you want completed now the way you want it, instead of waiting to save up the cash.

Flexibility. Styles, prices, and models change frequently. Avoid product and other changes by completing your entire project now instead of in stages.

Unbeatable payment options. More ways to pay for your home improvement project. Ask your contractor about all your choices.

Financial flexibility. If your circumstances change, you may need cash reserves as a back-up plan for life’s necessities.

Improve your home without reducing equity.

Your loan should work for you, not against you.

Historically, many homeowners have paid for home improvement projects with cash or home equity lines of credit. A home equity line of credit can be called in, and the maximum loan amount can be reduced at any time. Our loans have many advantages over other funding options, including the following:

Low, fixed interest rates. These rates are easily available to anyone with good credit.

No headaches. After all your hard work and planning, you’ve earned a quick, hassle-free loan experience, and you get a response within minutes.

Credit card rates can be too high.

Paying with a credit card could double what you pay for your home improvement project.

Credit cards offer homeowners promotional interest rates and terms to entice you to use your credit cards to pay for home improvements. These promotional rates and terms may be limited by time or to certain conditions, which, if not met, could significantly increase the amount you will ultimately pay for your project.

EnerBank, unsecured loans are better than credit cards for home improvements because of the following: